SUMMARY 
 
In general, the Q1/2022 business results of banks still recorded many positive points. Total profit after tax of 28 commercial banks (excluding Argibank and PVcombank) still increased by 31% compared to the previous year. However, there is a disparity in profits among banks. Specifically, the profit after tax of medium- and large-sized banks increased sharply as a result of positive growth in many business segments and continued improvement in CIR. While at small banks, operating profit mostly narrowed compared to the previous quarter and CIR tended to increase again.
 
In terms of overall business improvement compared to previous years, MSB and STB are the two banks with the most positive changes in 2021 and Q1/2022. While in the opposite direction, OCB is the bank with fewer positive changes in the quarter.
 
TABLE OF CONTENTS
 
A. MACROECONOMIC OVERVIEW AND CREDIT SYSTEM
     Overview of indicators by quarter
GDP growth
Consumer price index (CPI)
Industrial production index (IIP)
FDI attraction
Export turnover growth
Balance of trade
Growth in total retail sales of goods and services
Goods retail growth
 
 
     Credit system overview
Quarterly credit growth
USD/VND exchange rate movements
Movement of interbank interest rates
Loan balance structure of the whole system Q1/2022
Structure of outstanding loans for the real estate sector
 
     Bond market overview
Movement of government bond yields
Size of bond issuance in the whole market 5M/2022
 
     Insurance market overview
Total premium revenue of the entire insurance industry Q1/2018 - Q1/2022 
Total life insurance premium revenue Q1/2018 - Q1/2022  
Total non-life insurance premium revenue Q1/2018 - Q1/2022  
Structure revenue of life insurance premiums Q1/2022  
 
B. OVERVIEW OF BUSINESS RESULTS OF 30 COMMERCIAL BANKS 
     Preliminary business targets
     Structure of bad debt of 30 commercial banks
     Outstanding VAMC bonds of some banks
     Table to evaluate the efficiency of banks according to a number of criteria 
 
C. SIZE AND MARKET SHARE OF CREDIT AND MOBILIZE          
     Size and market share of customer loans
     Size and customer deposit
     Size of bond portfolio of 28 commercial banks
 
D. OPERATION EFFICIENCY
     Total operating profit by quarter
     Operating profit structure in 1Q/2022
     Profit after tax quarterly
     CIR ratio in Q1/2022
     Contingency cost for credit losses deducted quarterly
 
E. ASSESSMENT OF CREDIT ACTIVITIES AND SERVICES
     Credit growth in Q1/2022
     Structure of outstanding loans to customers
     Growth of outstanding loans to customers individuals
     Quarterly net interest income
     Quarterly NIM
     Rate of CASA
     Net profit from service fee quarterly
 
F. QUALITY OF DEBT AND SAFETY RATES IN Q1/2022
     Details of NPL ratio of each bank
     Movement of debt groups of each bank
     NPL coverage ratio of each bank
     Loan/Collateral ratio
     Loan/Deposit ratio
     Credit structure and term deposit